Sep, 30, 2025 — SAN FRANCISCO FEDERAL CREDIT UNION is a federal credit union headquartered in SAN FRANCISCO, CA with 7 branch locations and about $1.44 billion in total assets. Opened 72 years ago in 1954, SAN FRANCISCO FEDERAL CREDIT UNION has about 51,478 members and employs 110 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SAN FRANCISCO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 770 Golden Gate Ave SAN FRANCISCO, CA 94102-3120 |
| Phone: | (415) 775-5377 |
| Fax: | (415) 775-0715 |
| Website: | https://www.sanfranciscofcu.com |
| Branches: | 7 branch locations |
| Members: | 51,478 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24542 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,442,118,831 |
| CEO/Manager: | Ray Shams |
| Chairperson: | David Huebner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 83,742,616 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 592,917,025 |
| Unsecured Loans | 38,437,034 |
| Other Loans | 52,350,117 |
| TOTAL LOANS | 683,704,176 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -23,284,996 |
| Land And Building | 2,883,704 |
| Other Fixed Assets | 720,508 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,558,407 |
| All Other Assets | 28,825 |
| TOTAL ASSETS | 1,442,118,831 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 81,827 |
| Notes & Interest Payable | 169,900,000 |
| Accounts Payable & Other Liabilities | 19,426,125 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 213,103,865 |
| Regular shares | 292,111,983 |
| All Other Shares & Deposits | 595,355,519 |
| TOTAL SHARES & DEPOSITS | 1,100,571,367 |
| TOTAL LIABILITIES | 1,289,979,319 |
| Regular Reserve | 0 |
| Other Reserves | 34,132,256 |
| Undivided Earnings | 118,007,256 |
| TOTAL EQUITY | 152,139,512 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,442,118,831 |
| INCOME & EXPENSE | |
| Loan Income | 23,732,170 |
| Investment Income | 24,087,395 |
| Other Income | 2,198,966 |
| Total Employee Compensation & Benefits | 14,523,798 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,765,475 |
| Non-operating Income & (Expense) | 748,675 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,033,500 |
| Cost of Funds | 13,075,845 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 12,071,144 |
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